XL Group Ltd

Find Ratings Reports
XL : NYSE : Financial
$39.83 | %
Today's Range: 39.73 - 40.29
Avg. Daily Volume: 1533600.0
03/24/17 - 4:02 PM ET

Financial Analysis

XL GROUP LTD's gross profit margin for the fourth quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has decreased by 6.32% from the same quarter last year.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. To learn more visit www.TheStreetRatings.com.

Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)2843.322620.98
EBITDA ($mil)511.64475.37
EBIT ($mil)414.0286.42
Net Income ($mil)304.7228.55

Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)6490.816291.07
Total Assets ($mil)58434.158682.94
Total Debt ($mil)2737.582758.77
Equity ($mil)10938.5111677.08

Profitability Q4 FY16 Q4 FY15
Gross Profit Margin17.9918.14
EBITDA Margin17.9918.13
Operating Margin14.5610.93
Sales Turnover0.180.16
Return on Assets0.752.05
Return on Equity4.0310.33
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Interest Expense52.2852.18
Interest Coverage7.925.49

Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)266.89294.75
Div / share0.20.2
Book value / share40.9939.62
Institutional Own % n/a n/a
Avg Daily Volume1531709.02236984.0


BUY. The current P/E ratio indicates a premium compared to an average of 23.66 for the Insurance industry and a value on par with the S&P 500 average of 26.33. Conducting a second comparison, its price-to-book ratio of 0.97 indicates a significant discount versus the S&P 500 average of 2.93 and a discount versus the industry average of 1.80. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
XL 25.13 Peers 23.66   XL 11.65 Peers 11.75

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

XL is trading at a valuation on par with its peers.


Average. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

XL is trading at a valuation on par to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
XL 9.99 Peers 15.01   XL 0.23 Peers 1.48

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

XL is trading at a discount to its peers.


Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

XL trades at a significant discount to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
XL 0.97 Peers 1.80   XL -61.22 Peers -9.54

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

XL is trading at a significant discount to its peers.


Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, XL is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
XL 1.02 Peers 1.43   XL 13.42 Peers 15.12

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

XL is trading at a significant discount to its industry on this measurement.


Lower. A sales growth rate that trails the industry implies that a company is losing market share.

XL trails its peers on the basis of sales growth



Latest Stock Upgrades/Downgrades